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All Fair Calcs calculators

68 free calculators are live now. Every tool keeps its assumptions visible and editable, requires no account, and labels results as estimates.

68 calculators shown.

Decision guides

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Resale profitabilitySource, price, compare marketplaces, and measure inventory performance. Mortgage and home buyingMove from affordability through payoff and refinance decisions. Debt payoff strategyMeasure debt, compare payoff methods, and test transfers. Saving and investingBuild cash reserves, goals, retirement targets, and projections. Business pricing and inventorySet prices, break even, reorder, and monitor cash runway. Embed Fair Calcs toolsAdd selected calculators to a resource page with a responsive iframe.

Resale suite

Marketplace profit and pricing 11

Resale Profit CalculatorProfit, margin, ROI, and break-even.Minimum Offer CalculatorLowest sale price that still hits a profit target.Maximum Buy Price CalculatorMost you can pay and preserve target profit.eBay Fee CalculatorEstimate fees and net proceeds.Poshmark Fee CalculatorHandle flat and percentage fee thresholds.Mercari Fee CalculatorModel net proceeds after fees and costs.Etsy Profit CalculatorInclude listing, transaction, and processing fees.Resale Lot Profit CalculatorEstimate batch profit, ROI, and break-even sold units for a resale lot or wholesale purchase.Resale Inventory Turnover CalculatorCalculate annualized inventory turnover and estimated days inventory remains on hand.Resale Hourly Profit CalculatorEstimate net resale profit per hour after inventory, fees, shipping, supplies, and labor time.Dimensional Weight CalculatorCompare actual and dimensional package weight to estimate the carrier billing weight.

Loans and debt

Payments, payoff timing, borrowing capacity, and interest. 11

Loan Payoff CalculatorEstimate payoff time and interest with extra payments.Debt Payoff CalculatorEstimate your debt free date and total interest paid with minimum payments and extra-payoff scenarios.Credit Card Payoff CalculatorEstimate how long credit card debt takes to pay off and how extra monthly payments reduce interest.Auto Loan CalculatorEstimate a car loan payment, amount financed, and total interest after down payment, trade-in, tax, and fees.Car Affordability CalculatorEstimate an affordable vehicle price from a monthly payment budget, down payment, APR, term, tax, and fees.Personal Loan CalculatorEstimate a personal loan payment, total interest, and total repayment from balance, APR, and term.Student Loan CalculatorEstimate a student loan payment and total interest under a standard fixed repayment schedule.Debt-to-Income CalculatorCalculate front-end and back-end debt-to-income ratios from gross income, housing costs, and monthly debt payments.HELOC Payment CalculatorEstimate interest-only and amortizing HELOC payments from balance, variable rate, and repayment term.Debt Snowball vs Avalanche CalculatorCompare payoff time and interest for smallest-balance-first and highest-rate-first debt strategies.Credit Card Balance Transfer CalculatorCompare keeping a credit card balance with transferring it to an introductory APR after a transfer fee.

Saving and budgeting

Goals, emergency funds, cash flow, and net worth. 8

Savings Rate CalculatorMeasure savings as a share of gross and net income.Emergency Fund CalculatorEstimate how much emergency savings you need and how long it will take to build your target fund.Net Worth CalculatorCalculate net worth by comparing total assets and liabilities with a clear category breakdown.Budget CalculatorEstimate monthly cash flow and create a practical spending plan from income, fixed costs, and savings targets.Savings Goal CalculatorEstimate the monthly contribution needed to reach a savings goal from a current balance, timeline, and return.Simple Interest CalculatorCalculate simple interest and ending balance from principal, annual rate, and time.APY CalculatorConvert a stated annual interest rate into annual percentage yield based on compounding frequency.CD CalculatorEstimate certificate of deposit maturity value and interest from deposit, APY, term, and compounding.

Investing and retirement

Compound growth, returns, retirement targets, inflation, and fees. 9

Retirement Savings CalculatorEstimate a target portfolio and contribution gap.Compound Interest CalculatorEstimate how savings and investments grow over time with compounding, contributions, and return assumptions.Investment Return CalculatorEstimate net gain and simple return, plus annualized return when no additional contribution timing is required.401(k) CalculatorEstimate future 401(k) balance from salary, contribution rate, employer match, raises, return, and time.Financial Independence CalculatorEstimate a financial independence target and years to reach it from spending, savings, current investments, and return.Inflation CalculatorEstimate future cost and purchasing power after inflation over a selected number of years.CAGR CalculatorCalculate compound annual growth rate from beginning value, ending value, and holding period.Dollar-Cost Averaging CalculatorEstimate future investment value from a starting balance, recurring contribution, return, and timeline.Investment Fee CalculatorEstimate how annual investment fees can reduce long-term portfolio value.

Housing

Affordability, equity, upfront costs, and extra payments. 13

Mortgage CalculatorMonthly payment and total interest estimates.Rent vs Buy CalculatorEstimate long-term housing costs to compare renting versus buying under different assumptions.Refinance CalculatorEstimate mortgage refinance break-even timing and total interest savings after closing costs.Home Affordability CalculatorEstimate an affordable home price from income, debts, down payment, rate, term, taxes, insurance, and a housing ratio.Down Payment CalculatorCalculate down payment dollars, loan amount, and remaining cash goal from a home price and target percentage.Closing Cost CalculatorEstimate buyer closing costs from home price, lender fees, third-party costs, prepaid items, and credits.Home Equity CalculatorEstimate home equity, loan-to-value ratio, and available equity from property value and secured debt.Rent Affordability CalculatorEstimate a rent budget from gross income, target rent ratio, utilities, insurance, and other housing costs.Mortgage Extra Payment CalculatorEstimate mortgage interest and time saved by adding a recurring extra principal payment.Mortgage Amortization CalculatorEstimate payment, first-month principal and interest, balance after a selected year, and lifetime interest.15 vs 30 Year Mortgage CalculatorCompare monthly payments and total interest for 15-year and 30-year mortgages with separate rates.Mortgage Points Break-Even CalculatorEstimate the upfront cost and monthly break-even period for mortgage discount points.PMI Removal CalculatorEstimate when a mortgage balance may reach a selected loan-to-value threshold for PMI removal planning.

Income and work

Convert pay, estimate raises, overtime, and freelance rates. 5

Hourly to Salary CalculatorConvert hourly pay into weekly, monthly, and annual gross income from hours and weeks worked.Salary to Hourly CalculatorConvert annual salary into hourly, weekly, and monthly gross pay from expected work hours.Overtime Pay CalculatorEstimate regular, overtime, weekly, and annual gross pay from hourly rate and overtime multiplier.Pay Raise CalculatorCalculate new salary, dollar increase, monthly increase, and percentage raise.Freelance Rate CalculatorEstimate a freelance hourly rate from income goal, business costs, taxes, billable hours, and time off.

Business and pricing

Margin, markup, break-even, cash flow, and inventory. 7

Profit Margin CalculatorCalculate gross profit, profit margin, and markup from revenue and cost.Markup CalculatorCalculate selling price and margin from cost and target markup.Break-Even CalculatorCalculate break-even units and revenue from fixed costs, unit price, and variable cost.Business Cash Runway CalculatorEstimate monthly burn and cash runway from available cash, recurring revenue, and operating expenses.Reorder Point CalculatorEstimate when to reorder inventory from daily demand, supplier lead time, and safety stock.Economic Order Quantity CalculatorEstimate an economic order quantity from annual demand, ordering cost, and annual holding cost per unit.Target Margin Price CalculatorCalculate the sale price needed for a target margin after percentage fees and fixed per-sale costs.

Everyday math

Discounts, tips, percentages, and unit-price comparisons. 4

Unit Price CalculatorCompare package prices by cost per ounce, pound, item, or other common unit.Discount CalculatorCalculate sale price and savings from original price, discount, and optional sales tax.Tip CalculatorCalculate tip, total bill, and per-person amount from bill, tip percentage, and party size.Percentage Change CalculatorCalculate absolute and percentage increase or decrease between an old and new value.